Is social security the same as five insurances and one gold? What's the difference

The difference between social security and five insurances and one gold lies in different concepts, different scopes and different payment systems. Social security refers to basic social security such as endowment insurance, medical insurance, maternity insurance and unemployment insurance, but five insurances and one gold include housing accumulation fund in addition to social security. In the payment system, individuals can pay endowment insurance and medical insurance, but they cannot pay provident fund.

1. What's the difference between social security and five insurances and one gold?

1. Social security is different from five insurances and one gold.

Social security is the abbreviation of social insurance, which refers to five kinds of insurance: endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance. Five insurances and one gold refer to endowment insurance, medical insurance, maternity insurance, unemployment insurance, industrial injury insurance and housing accumulation fund.

2. Social security is different from five insurances and one gold.

Social insurance only includes five types of insurance, such as endowment insurance, but five insurances and one gold also include housing accumulation fund. That is, five insurances and one gold include social security.

According to the relevant regulations of our country, the unit must pay five insurances and one gold for its employees on time and in full.

3. The payment system is different.

Social security only refers to endowment insurance, and individuals can pay it separately. Five insurances and one gold refer to: old-age insurance, medical insurance, unemployment insurance, industrial injury insurance, family planning insurance (only for female employees) and housing accumulation fund, which can only be paid by the unit, especially industrial injury insurance. Family planning insurance is paid by the unit and does not need to be paid by individuals.

Second, what are the characteristics of social insurance?

Features 1: the objective basis of social insurance is the risks existing in the labor field, and the object of insurance is the workers themselves;

Feature 2: The subject of social insurance is specific. Including workers (including their relatives) and employers;

Feature 3: Social insurance is compulsory;

Feature 4: the purpose of social insurance is to maintain the reproduction of labor force;

Feature 5: The insurance fund comes from the contributions and financial support of employers and workers. Insurance coverage is limited to employees, excluding other social members. The insurance coverage is limited to all kinds of risks in labor risks, excluding other risks such as property and economy.

3. What is the function of social insurance?

1, the function of stabilizing social life.

2. The function of redistribution.

3. The function of promoting social and economic development: First, the social insurance system plays an important role as an important tool for demand management, thus playing an active role in the economy; Second, the effective use of social insurance funds can promote the sustained prosperity of the economy; Third, social security has become the basic condition for enterprises to recruit talents.

Legal basis:

Article 2 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the state shall establish social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in case of old age, illness, industrial injury, unemployment and maternity.

Article 4 of the Social Insurance Law of People's Republic of China (PRC) stipulates that employers and individuals in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 57 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.

Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration.

The market supervision and management department, the civil affairs department and the organization management organ shall promptly inform the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly inform the social insurance agency of the birth, death, household registration, migration and cancellation of the individual.

Article 13 of the Regulations on Housing Provident Fund Management stipulates that the housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Article 14 of the Regulations on the Management of Housing Provident Fund stipulates that a newly established unit shall register the housing provident fund deposit with the housing provident fund management center within 30 days from the date of establishment, and handle the procedures for the establishment of housing provident fund accounts for its employees within 20 days from the date of registration. Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.

Article 15 of the Regulations on the Management of Housing Provident Fund stipulates that if a unit hires employees, it shall go to the housing provident fund management center for deposit registration within 30 days from the date of employment, and go through the formalities for the establishment or transfer of employee housing provident fund accounts. Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

Article 16 of the Regulations on the Management of Housing Provident Fund stipulates that the monthly contribution of employees' housing provident fund is the average monthly salary of employees in the previous year multiplied by the contribution ratio of employees' housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Article 17 of the Regulations on the Management of Housing Provident Fund stipulates that new employees will pay housing provident fund from the second month of their work, and the monthly payment amount is the employee's own salary multiplied by the employee's housing provident fund payment ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.